Call reports 2003
NLSB — 2003
What NLSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 952,562,000 | 975,042,000 | 978,719,000 | 995,565,000 |
| Total loans | 522,002,000 | 545,288,000 | 549,020,000 | 565,874,000 |
| Allowance for loan losses | 2,253,000 | 2,288,000 | 2,331,000 | 2,378,000 |
| Securities available for sale | 316,603,000 | 346,732,000 | 347,631,000 | 366,625,000 |
| Securities held to maturity | 1,939,000 | 1,839,000 | 1,840,000 | 1,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 859,647,000 | 883,065,000 | 886,254,000 | 899,135,000 |
| Interest-bearing deposits | 693,482,000 | 715,536,000 | 711,804,000 | 719,446,000 |
| Noninterest-bearing deposits | 166,165,000 | 167,529,000 | 174,450,000 | 179,689,000 |
| Equity capital | 70,991,000 | 70,304,000 | 71,891,000 | 76,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,058,000 | 20,060,000 | 29,752,000 | 38,840,000 |
| Interest expense | 3,181,000 | 6,300,000 | 8,824,000 | 11,318,000 |
| Net interest income | 6,877,000 | 13,760,000 | 20,928,000 | 27,522,000 |
| Noninterest income | 1,527,000 | 3,237,000 | 5,653,000 | 8,692,000 |
| Noninterest expense | 4,127,000 | 8,270,000 | 12,456,000 | 16,837,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 4,232,000 | 8,642,000 | 13,995,000 | 19,304,000 |
| Income tax | 28,000 | 65,000 | 113,000 | 170,000 |
| Net income | 4,204,000 | 8,577,000 | 13,882,000 | 19,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,725,000 | 66,066,000 | 69,185,000 | 73,763,000 |
| Total capital | 67,979,000 | 68,354,000 | 71,516,000 | 76,141,000 |
| Risk-weighted assets | 549,007,000 | 556,872,000 | 550,693,000 | 564,704,000 |